Secure your retirement with comprehensive planning and disciplined execution
Retirement is perhaps the most important financial goal. It requires precision planning—calculating retirement needs, building the right corpus, and creating sustainable withdrawal strategies that carry you through decades of retirement.
Altmera's retirement planning combines detailed projections, strategic investing, and regular reviews to ensure you have the resources for a secure, comfortable retirement aligned with your vision for this important life stage.
We calculate your expected retirement expenses, income needs, and longevity assumptions. This becomes the target for your retirement corpus.
Strategic management of NPS, EPF, PPF, and other pension vehicles. We ensure these accounts are optimized within their parameters.
We design an investment strategy to build your target retirement corpus, accounting for inflation, returns, and your timeline.
Detailed projections showing your available income during retirement, accounting for various income sources and withdrawal strategies.
We design sustainable withdrawal strategies that balance income needs with portfolio longevity and tax efficiency.
Regular reviews ensuring your retirement plan stays on track as circumstances and markets evolve.
How do you envision retirement? Where will you live? What activities matter most? What's your desired lifestyle? This shapes everything.
We translate your vision into financial terms—calculating annual expenses, accounting for inflation, and determining your total retirement corpus need.
We compare your projected corpus (current savings + future contributions + investment returns) against your need. This identifies if you're on track or need adjustments.
We create an investment strategy designed to build your target corpus efficiently, accounting for your timeline and risk tolerance.
As you approach retirement, we transition your portfolio from growth to income-generating, while maintaining purchasing power.
We implement your plan, monitor progress, and make adjustments as your circumstances and markets evolve.
We plan for a long retirement, ensuring your corpus lasts through your 90s and beyond, not just to age 85.
Rising costs erode purchasing power. We account for inflation and ensure your income keeps pace during retirement.
Medical expenses often increase with age. We project healthcare costs and ensure adequate reserves for medical contingencies.
Smart withdrawal strategies and account positioning minimize taxes during retirement, extending your corpus.
If leaving a legacy matters, we structure your plan to support both retirement income and inheritance goals.
We ensure adequate insurance (health, life, disability) protects your retirement plan from unexpected shocks.